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Lowell Five Cent Savings Bank, The

Tewksbury, MA · Cert 90227 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=27) · Lowell Five Bcorp MHC

SI · FDIC · 15 branches

Q2 2026

$1.9BAssets
$1.5BLoans
$1.6BDeposits
$234.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 78% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 6 of 27).
  • Widest gap: nonperforming loans / loans trails 67% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 19 of 27).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.75%

Rank 16 of 27

Net Interest Margin

3.39%

Rank 6 of 27

Efficiency Ratio

61.71%

Rank 9 of 27

Equity / Assets

12.34%

Rank 9 of 27

Non-interest income vs. expense

$4.8M$42.8MINCOMEEXPENSE
Unfavorable gap of $38.0M · efficiency ratio beats 70% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 61.71%Peer median 68.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.75%0.48%0.78%0.99%Beats 41%16 / 27
Return on Equity6.11%5.50%7.06%8.20%Beats 33%18 / 27
Net Interest Margin3.39%2.49%2.70%3.34%Beats 78%6 / 27
Efficiency Ratio61.71%59.27%68.19%75.85%Beats 70%9 / 27
Asset Quality
Nonperforming Loans / Loans1.03%0.20%0.58%1.15%Beats 33%19 / 27
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 48%15 / 27
Capital
Tier 1 Capital Ratio16.81%13.21%14.69%16.81%Beats 74%7 / 27
Total Risk-Based Capital Ratio18.07%13.71%15.43%18.07%Beats 74%7 / 27
Equity / Assets12.34%9.62%11.14%13.14%Beats 67%9 / 27
Liquidity & Funding
Loans / Deposits90.25%91.42%101.19%107.11%15th pctl23 / 27
Loans / Assets77.65%75.31%80.56%83.39%37th pctl17 / 27
Brokered Deposits / Depositsn/aNot reported for this institution